1. A service contract relationship is formed between the consumer and the gym, and both parties shall perform their respective obligations according to the contract.

2. The consumer's request to return the card is a unilateral termination of the contract, so whether the contract can be terminated depends on the contractual agreement of both parties.

3. Card withdrawal is a consumer breach of contract. Whether it is reasonable to deduct 35% of the liquidated damages should be determined according to the contract between the two parties. If there is no contract, it must be reported to the local people's court or arbitration institution.